Fast, Flexible Funding for Your Wholesale Business
From bulk stock purchases to bridging the gap between orders and payments, our funding is built for the realities of running a South African wholesale operation.
From bulk stock purchases to bridging the gap between orders and payments, our funding is built for the realities of running a South African wholesale operation.
Funding designed for wholesalers and bulk distributors
Running a wholesale business means managing large stock orders, extended payment terms, and the cash flow gap between buying in bulk and receiving payment from your retail clients. These gaps can limit your ability to take on new orders or negotiate better supplier terms.
Wholesale finance gives you fast access to working capital without the red tape of a traditional bank loan. It's unsecured, meaning no collateral is required, and repayments are structured around your trading turnover.
Complete a simple online application and upload your proof of residence, business statements, and six months of bank records. It takes just a few minutes.
To qualify, your wholesale business must be registered in South Africa, trading for at least 12 months, generating R50,000+ per month. You must be a South African citizen or have a qualifying guarantor. We do not fund start-ups.
We assess your details and design a funding solution tailored to your business, with repayment terms you can manage confidently.
Repayments can be structured as a percentage of your card or banking turnover, via daily or weekly debit orders. We'll recommend the option that best fits your trading pattern.
Once approved, funds are deposited into your account within 24 hours, ready when your business needs them.
For over 12 years, Merchant Capital has invested more than R50 billion into nearly 60,000 South African businesses, including wholesalers and bulk distributors. We understand the cash flow pressures of managing large orders and extended payment cycles.
Apply in minutes and receive an obligation-free offer within 24 hours. When a bulk order opportunity arises, speed matters.
Choose repayments linked to your banking or card turnover, via daily or weekly debit orders, keeping your cash flow predictable across your order cycle.
Our funding specialists understand the pressures of wholesale operations, from managing bulk stock purchases to bridging extended payment terms.
We have extensive experience working with trusted wholesale groups and buying groups across South Africa, giving you the confidence to grow with a lender who knows your industry.
To qualify for Wholesale Finance, your business must meet these requirements:
Your wholesale business should generate at least R50,000 per month. We support established wholesalers ready to grow.
You must be a South African citizen, or have a qualifying guarantor in place, to access this funding.
Your business must have been trading for at least 12 months. We do not fund start-ups.
Use our online calculator to estimate your advance amount and repayment terms, helping you make an informed decision.
These are indicative amounts only.
All offer amounts and costs are based on your monthly turnover and credit standing.
See how South African businesses like yours have unlocked growth and new opportunities with our tailored funding solutions.
Most wholesale businesses are approved and funded within 24–48 hours of submitting the required information.
Repayments are made via daily or weekly debit orders, linked to your banking or card turnover. This keeps repayments manageable across your order cycle.
Absolutely. Many wholesalers use it to take advantage of bulk order discounts or bridge the gap between supplier payments and client receipts.
No. It's a cash advance: no collateral and no drawn-out bank processes. Approval is quick and repayment is designed around your business.
Yes. Once 70% of your facility has been repaid, you qualify for a re-advance. If you didn't take the full amount initially, you can top up at any point.
32 Impala Road
Chislehurston
Sandton
2196
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